| City: | Frostburg, Maryland |
| Counties: | Allegany County [Primary] Garrett County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 12:32:18 AM |
| Population: | 13,328 [See All] |
| Area Codes: | 227 / 240 / 301 / 324 / 369 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 39.6408, -78.9456 |
| Land Area: | 74.127 sq mi |
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ZIP Code 21532 has 13,328 residents and 5,663 households (average 2.19 persons per household). The median age is 39.4 years, about the same as the state (38.8) and about the same as the nation (38.8). The gender split is 49.0% male and 51.0% female, which is about the same as the state male share (48.2%), making this a female-majority area. Largest groups are White (87.8%, much higher than the state average of 48.7% and well above the national average of 61.6%) and Black or African American (5.4%, much lower than the state average of 29.5%); Hispanic or Latino residents make up 1.4%, which is much lower than the national average (18.7%).
Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship
| 2020 Population: | 13,328Source: Census DHC |
| 2023 ACS Population Estimate: | 13,123Source: Census ACS |
| 2025 ZC Population Estimate: | 13,994Source: ZIP-Codes.com |
| Population Density: | 179.8 people per sq mile |
| Average Income: | $60,158Source: Census ACS |
| Households: | 5,663Source: Census DHC |
| Average House Value: | $175,600Source: Census ACS |
| Persons Per Household: | 2.19Source: Census DHC |
| Average Family Size: | 3.09Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 15,556 | 15,883 | 16,088 | 15,586 | 15,749 | 15,499 | 15,396 | 15,062 | 14,726 | 14,498 | 13,184 | 13,229 | 13,123 |
| Decennial Census | 15,620 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13,328 | -- | -- | -- |
Median Age: 39.4
Male Median Age: 37.1
Female Median Age: 41.8
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 284 | 348 | 347 | 628 | 717 | 422 | 368 | 362 | 330 | 360 | 418 | 395 | 422 | 349 | 298 | 229 | 161 | 93 |
| Female | 283 | 293 | 322 | 585 | 698 | 332 | 394 | 368 | 327 | 365 | 377 | 461 | 424 | 377 | 397 | 318 | 229 | 247 |
| Total | 567 | 641 | 669 | 1,213 | 1,415 | 754 | 762 | 730 | 657 | 725 | 795 | 856 | 846 | 726 | 695 | 547 | 390 | 340 |
| White: | 11,706 | 90.03% |
| Black: | 721 | 5.55% |
| Hispanic:* | 189 | 1.45% |
| Asian: | 250 | 1.92% |
| American Indian: | 30 | 0.23% |
| Hawaiian: | 5 | 0.04% |
| Other: | 101 | 0.78% |
| Total: | 13,002 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 6,531 | 49.00% | 37.1 years |
| Females: | 6,797 | 51.00% | 41.8 years |
| Total: | 13,328 | 100% | 39.4 years |
| Native, born in the United States: | 12,678 | 96.61% |
| Native, born in PR, Island Areas, or abroad: | 108 | 0.82% |
| Foreign born, naturalized U.S. citizen: | 188 | 1.43% |
| Foreign born, not a U.S. citizen: | 149 | 2.57% |
| Total Population: | 13,123 | 100% |
| Total Native Population: | 12,786 | 97.43% |
| Total Foreign-born Population: | 337 | 2.57% |
In 2023, the Median household income is $60,158, which is considerably lower than the state median ($101,652), is up $22,115 (58.1%) since 2011 and above its 2019 pre-pandemic level by $11,944. Family households earn a median of $81,573 versus $37,379 for nonfamily households (a difference of $44,194). By gender, male median income is $57,965 and female is $54,076, which is considerably lower than the state female median ($68,044), with a current gap of $3,889 that has narrowed from 2011 to 2023. The labor-force participation rate is 53.3%, which is much lower than the state rate (67.2%). The unemployment rate is 5.9%, which is well above the state rate (4.9%). The largest occupation group is Management (40.0%).
Explore More: Income Over Time Household Income Employment Status By Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $38,043 | $37,113 | $39,119 | $39,531 | $42,727 | $44,748 | $43,622 | $44,115 | $48,214 | $48,546 | $50,349 | $55,761 | $60,158 |
| Median Family Income | $55,739 | $54,671 | $54,899 | $60,167 | $65,053 | $68,275 | $71,197 | $70,146 | $68,305 | $64,400 | $66,377 | $74,347 | $81,573 |
| Median NonFamily Income | $21,624 | $20,796 | $19,932 | $20,161 | $20,752 | $20,642 | $20,618 | $21,216 | $24,645 | $24,943 | $29,898 | $33,141 | $37,379 |
| Median Male Income | $41,358 | $44,852 | $41,793 | $45,575 | $46,907 | $47,421 | $48,365 | $49,439 | $47,076 | $50,491 | $52,655 | $54,531 | $57,965 |
| Median Female Income | $29,970 | $28,958 | $31,917 | $31,964 | $33,839 | $35,053 | $38,381 | $37,782 | $37,656 | $42,314 | $46,985 | $46,815 | $54,076 |
| Employed: | 5,571 | 49.95% |
| Unemployed: | 349 | 3.13% |
| Not In Labor Force: | 5,234 | 46.92% |
| Total: | 11,154 | 100% |
| Management, business, science, and arts: | 2,226 | 39.96% |
| Service: | 1,370 | 24.59% |
| Sales and Office: | 1,091 | 19.58% |
| Natural resources, construction, and maintenance: | 407 | 7.31% |
| Production, transportation, and material moving: | 477 | 8.56% |
| Total Civilian Employed Population: | 5,571 | 100% |
In 2023, the median home value is $175,600, which is much lower than the state median ($397,700), is up $35,800 (25.61%) since 2011 and above its 2019 pre-pandemic level by $45,800. The median gross rent is $839, which is far less than the state median ($1,662), is up $292 (53.38%) since 2011 and above its 2019 pre-pandemic level by $84. Of occupied housing, owners make up 66.08% (61.64% with a mortgage, 38.36% free-and-clear) and renters 33.92% - making this ZIP Code less home ownership than the state and under national rental averages. The vacancy rate is 13.85%, which is far higher than the state rate (8.09%).
Explore More: Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $139,800 | $141,800 | $140,900 | $150,400 | $153,700 | $152,100 | $141,900 | $137,100 | $129,800 | $137,700 | $143,800 | $156,900 | $175,600 |
| Less than $500: | 236 | 13.36% |
| $500 to $999: | 762 | 43.15% |
| $1,000 to $1,499: | 488 | 27.63% |
| $1,500 to $1,999: | 20 | 1.13% |
| $2,000 to $2,499: | 31 | 1.76% |
| $2,500 to $2,999: | 3 | 0.17% |
| $3,000 or more: | 6 | 0.34% |
| No Rent: | 220 | 12.46% |
| Total: | 1,766 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $547 | $601 | $688 | $703 | $676 | $730 | $746 | $735 | $755 | $733 | $709 | $763 | $839 |
| Owner Occupied (with mortgage): | 2,121 | 40.73% |
| Owner Occupied (free and clear, no mortgage): | 1,320 | 25.35% |
| Renter Occupied: | 1,766 | 33.92% |
| Total Occupied Housing Units: | 5,207 | 100% |
| Occupied Housing Units: | 5,207 | 86.15% |
| Vacant Housing Units (not graphed): | 837 | 13.85% |
| Total Housing Units: | 6,044 | 100% |
| Single-Family Units: | 4,468 | 73.92% |
| Multi-Family Units: | 1,335 | 22.09% |
| Other Units: | 241 | 3.99% |
| Total Housing Units: | 6,044 | 100% |
In 2023, 32.50% of adults (25+) have a bachelor's degree or higher, which is markedly below the state rate (42.70%). High school or higher is 92.90%, which is well above the national rate (89.40%). The uninsured rate is 2.40%, which is far lower than the national rate (8.60%). The share of people in poverty is 10.90%, which is on par with the state rate (6.30%), up 2.00 percentage points since 2011 and above its 2019 pre-pandemic level by 4.40 percentage points. This points to rising hardship - a weaker consumer base, greater strain on public services, and job-market headwinds. Among residents ages 3+, the largest enrollment group is college (64.50%). College enrollment is 64.50%, which is far higher than the national rate (26.70%), indicating the community is likely a college hub with student-driven housing and services.
Explore More: Educational Attainment Health Insurance Poverty Over Time School Enrollment
| Less than 9th grade: | 67 | 0.84% |
| 9th to 12th grade, no diploma: | 502 | 6.29% |
| High school graduate (includes equivalency): | 2,798 | 35.03% |
| Some college, no degree: | 1,157 | 14.49% |
| Associate's degree: | 865 | 10.83% |
| Bachelor's degree: | 1,240 | 15.53% |
| Graduate or professional degree: | 1,358 | 17.00% |
| Total: | 7,987 | 100% |
| High school or higher: | 7,418 | 92.88% |
| Bachelor's degree or higher: | 2,598 | 32.53% |
| Private Insurance: | 9,611 | 64.38% |
| Public Insurance: | 5,010 | 33.56% |
| No Insurance: | 308 | 2.06% |
| Total: | 14,929 | 100% |
| Has Health Insurance: | 14,621 | 97.94% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 8.9% | 9.3% | 10.8% | 9.0% | 8.9% | 6.8% | 6.1% | 6.6% | 6.5% | 8.1% | 8.7% | 9.6% | 10.9% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 74 | 1.63% |
| Kindergarten: | 175 | 3.85% |
| Elementary school (grades 1-8): | 982 | 21.59% |
| High school (grades 9-12): | 384 | 8.44% |
| College or graduate school: | 2,934 | 64.50% |
| Total: | 4,549 | 100% |
| Early Childhood: | 249 | 5.47% |
| K-12 (Primary & Secondary School): | 1,541 | 33.88% |
ZIP Code 21532 supports both business and residential activity. According to the Business Census (2023), there are 240 business establishments, employing about 2,116 people with an annual payroll of $72,509,000. USPS data shows 6,390 residential mailboxes and 263 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 6,390Source: USPS |
| # Business Mailboxes: | 263Source: USPS |
| Total Delivery Receptacles: | 6,841Source: USPS |
| Single Family Delivery Units: | 5,158Source: USPS |
| Multi Family Delivery Units: | 381Source: USPS |
| # of Businesses: | 240Source: CBP |
| 1st Quarter Payroll: | $17,540,000Source: CBP |
| Annual Payroll: | $72,509,000Source: CBP |
| # of Employees: | 2,116Source: CBP |
ZIP Code 21532 is located in Allegany County, Maryland, within the Cumberland, MD-WV Metropolitan Statistical Area (CBSA 19060) and Maryland's 6th Congressional District. This Micro area has a population of 94,684 people, about 14.08% of whom live in ZIP Code 21532. It covers 74.127 sq mi of land and a water area of 0.082 sq mi.
| CBSA Name: | Cumberland, MD-WVSource: Census |
| CBSA Number: | 19060Source: Census |
| CBSA Type: | MicroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 94,684Source: Census |
| MSA: | Cumberland, MD-WV MSASource: Census |
| Land Area: | 74.127 sq miSource: Census |
| Water Area: | 0.082 sq miSource: Census |
| Congressional District: | 06Source: USPS |
| Congressional Land Area: | 1950.26 sq miSource: Census |
| PMSA: | --Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 2430900Source: Census |
| Place Name: | Frostburg city; MarylandSource: Census |
ZIP Code 21532 is part of 2 school districts, including: Allegany County Public Schools (Grades PK thru 12) and Garrett County Public Schools (Grades Pre-Kindergarten thru 12th). There are 4 public schools and 1 private school(s) in this ZIP Code. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on October 1, 2025.